Transworld Systems

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactoryThe information about the calls does not coincide with what I was told from the payroll department, and TWS operators were rude and harassed herSince the calls have stopped, I am satisfied Regards, [redacted] ***

October 23, 2017Dear [redacted] :Transworld Systems Inc(TSI) has received your October 19, letter relating to [redacted] ’ complaint filed with the Revdex.com serving Metro Washington DC and Eastern PennsylvaniaTSI has researched this matter and the findings are set forth below:TSI requested and has received validation information for the above-referenced accountEnclosed is the validation information TSI received from the creditor that corresponds to the above accountThe validation will also be sent to the consumer via US Mail [redacted] may contact [redacted] at ###-###-#### for further inquiries regarding the above account.We have contacted the credit bureaus, with which we do business, with our request to place our listing of the above account on the consumer’s credit profile in a disputed statusPlease be advised that we cannot effect a change to how any other company may have listed the above account on the consumer’s credit profile.Please be advised that the account balance may be periodically increased due to the addition of accrued interest or other charges as provided in the agreement with the original creditor or as otherwise provided by state law.We appreciate the opportunity to respond to your inquiry and provide you the enclosed documentations.Very truly yours,TSI Consumer Affairs

HELLO MRS [redacted] ,WE ORDER A NEW DOOR FOR THAT CUSTOMER, WE WILL INSTALL IT WHEN WE RECEIVE IT BACK FROM THE MANUFACTURER

September 8, 2016Dear [redacted] :Transworld Systems Inc(TSI) has received your August 30, complaint for [redacted] on the above-referenced accountTSI has researched this matter and the findings are set forth below:TSI requested and has received validation information for [redacted] [redacted] accountTSI will not forward these documents to you, so that there is no potential violation of federal or state privacy lawsThese materials have been forwarded to the consumer[redacted] may contact Renee H [redacted] at ###-###-#### for any further questions regarding her account.In addition, please be advised that we have contacted the credit bureaus, with which we do business, with our request to place our listing of the above-referenced account on [redacted] 's credit profile in a disputed statusPlease be advised that we cannot affect a change to how any other company may have listed the above account on [redacted] 's credit profile.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matter.Very truly yours,Cathy B.Consumer Affairs Team Lead

September 22, 2015Dear [redacted] : I acknowledge receipt of the August 26, complaint from the above-referenced consumerPlease be advised on February 3, 2015, [redacted] was quoted a tentative payment arrangement based on their verbal income and expense information, given verbally, of $This arrangement was pending receipt of the supporting documentationOn August 6, 2015, Transworld Systems Inc(TSI) received [redacted] 's partial backup documentationWith receipt of the partial backup documentation, it was determined that [redacted] only qualified for $per monthOn August 25, 2015, TSI gave [redacted] the opportunity to send in the documentation to support an expense claim of necessary dental, medical and insurance; which may have reduced [redacted] 's payment to the originally calculated amountAs of September 22, 2015, TSI has not received [redacted] 's expense claim documentationIf the borrower supplies the documentation and it corroborates the original payment amount of $as well as returns the signed agreement letter, he would qualify for a suspension of the garnishment payments and would continue towards completing the rehabilitation program.Please be advised that the account balance may be periodically increased due to the addition of accrued interest or other charges as provided in the agreement with the original creditor or as otherwise provided by state lawFederal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.transworldpayments.com or contact the FTC online at www.ftc.gov; by phone at 1-877-FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.govVery Truly Yours,Cathy BConsumer Affairs Team Lead

Thank you for the opportunity to respond to Mr [redacted] concerns Mr [redacted] was refunded the full amount of his charges on 08/18/ ( $ 405.00) Mr [redacted] contacted Jeff M [redacted] the Service Manager concerning this issue prior to our store receiving this Revdex.com complaint Jeff M [redacted] made the refund to the customer without hesitation I had hoped Mr [redacted] would contact the Revdex.com and advise you that this had already been resolved It does not appear he has done thatAt this time, we feel we have done everything possible to resolve all issues Mr [redacted] may have If there are is anything else we can do to help Mr [redacted] , please do not hesitate to contact usSincerely, Vicki W***Executive AssistantHenry Brown Buick GMC

January 30, 2017Dear [redacted] :Transworld Systems Inc(TSI) has received your January 26, letter relating to [redacted] ’s complaint filed with the Revdex.com serving Metro Washington DC & Eastern Pennsylvania, TSI has researched this matter and the findings are set forth below:The above-referenced account is closed in TSI's systemIt is TSI's intent to have no further communication with the consumer regarding this matterIn addition, TS has not reported the abovereferenced account on the consumer’s credit reportTSI cannot affect a change to how the creditor or any other company may have listed the account on the consumer's credit profile.For any further questions regarding the consumer's account, please contact [redacted] at [redacted] Orlando, FL ***.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matter.Very truly yours, Cathy BConsumer Affairs Team Lead

Transworld Systems Inc(TSI) has received your April 27, letter relating to [redacted] complaint filed with the Revdex.com serving Metro Washington DC & EasternPennsylvaniaTSI has researched this matter and the findings are set forth below:On January 12, 2017, [redacted] [redacted] placed the above referenced account with TSI for collections.On January 13, 2017, TSI mailed the consumer an initial notice to the address provided by the clientas a good address for the consumer, no mail returns were received.TSI has closed account the above account in its systemIt is TSI's intent to have no furthercommunication with [redacted] relating to this matterThe consumer may contact [redacted] *** for further inquiries regarding this account.TSI has contacted the credit bureaus with which it does business with its request to delete TSI’slistings of the above-referenced account from the consumer’s credit report for the social securitynumber listed in TSI’s recordsTSI cannot affect a change to how the creditor or any other companymay have listed the above account on the consumer’s credit profile

In I had to go into the hospital for about a weekMy insurance paid all but 1,My husband works for a school system in our small town and only gets paid once a month and I am unable to workI started making payments to the hospital but soon they called me and said they don't handle payments so they turned my account over to Transworld System, IncTransworld called and told me were to send my payments and that was all they didAfter making several payments I wanted to make sure my balance coincided with their records of my balance since they had never sent me a bill or monthly statements or anything from themWell theirs didn't balance with mine, go figureAfter figuring out why their balance was different they still would not send me monthly statements and I have had to put up with their excessive calling daily, sometime twice a day with the robo callsAfter a year of these calls I finally called them back and told them to stop calling me that I was already making monthly payments to them.That is when the lady said she wanted to set up a payment planNow remember this is a year AFTER I had already been making payments for a year! The person said she wanted to make a payment plan now cause she didn't like the amount I was payingI told her I was sorry but I didn't have a dead rich uncle to inherit from for her and was paying what I could until it was paid off whenever that may beNeedless to say she wasn't happy about that and I still do not get any monthly statements and still get excessive daily calls every day and sometimes twice a dayI still send a note with every payment asking them for a statement to verify my balance with theirs and now I don't even get that answer from themI am very frustrated and stressed out with the strange way this company does business and very very annoyed and irritated with the excessive calling, It makes me feel like they are trying to harass me and drive me crazyI don't know if this is going to help me any but if anyone could, at lest get them to stop calling me every day(I almost wish I did have a dead rich uncle to inherit from so I could pay them off and get them off my Phone!) Hope this helps someone who might be thinking of doing business with this unprofessional companyThank you Revdex.com for letting me vent

August 21, 2015Dear [redacted] :I acknowledge receipt of the August 17, complaint for the referenced consumerPlease be advised that the telephone number ###-###-#### has been removed from the above-referenced accountIt is TSI’s intent not to have any further communication with [redacted] in reference to the above account, since [redacted] is not the responsible consumer.Federal and state law prohibit certain methods of debt collection, and require that we treat you fairlyIf you have a complaint about the way we are collecting your debt, please visit our website at www.transworldpayments.com or contact the FTC online at https://www.ftc.gov; by phone at 1-877FTC-HELP; or by mail at Pennsylvania Ave., NW, Washington, DC If you want information about your rights when you are contacted by a debt collector, please contact the FTC online at www.ftc.gov.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterThanking you for your cooperation, I remain,Very truly yoursCathy BConsumer Affairs Team Lead

The shop did refund my money so I am satisfied with the outcome, however, I want the correct sequence of events to be knownI originally contacted Tim, the service writer, and he would not refund my moneyA few days, later I filed the complaint with the Revdex.comTim called me the day after I filed the complaint stating that they received the complaint and wanted to discuss my truckI told him what I did to fix my truck and then he refunded me the money with no problemI never called the manager like the shop statedThe problem has been resolved and there are no other issues

July 7, 2017Dear [redacted] Transworlds Systems Inc(TSI) has received your June 22, letter relating to [redacted] ’ complaintTSI has researched this matter and the findings are set forth below:TSI requested and has received validation information for [redacted] ’ account Enclosed is the validation information TSI received from the creditor that corresponds to the above-referenced accountValidation will also be mailed to [redacted] via U.S mail[redacted] may contact [redacted] at [redacted] for any further questions regarding the above-referenced account.In addition, please be advised that we have contacted the credit bureaus, with which we do business, with our request to place our listing of the above-referenced account on [redacted] ’ credit profile in a disputed statusPlease be advised that we cannot affect a change to how any other company may have listed the above account on [redacted] ’ credit profile.Please be advised that your account balance may be periodically increased due to the addition of accrued interest or other charges as provided in your agreement with the original creditor or as otherwise provided by state law.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matter.Thanking you for your cooperation, I remain,Very truly yours,Transworld Systems Inc

March 3, 2016Dear [redacted] :Transworld Systems Inc(TSI) has received your February 19, letter and understands [redacted] has complained that TSI is contacting her employer to verify her employment in order to garnish her wages [redacted] indicates that TSI only provided her employer with her social security number and never mentioned her by name [redacted] also states that TSI harassed the administrative assistant when she indicated that she could not verify [redacted] ***'s social security number "without permission according to HIPAA laws' and told the assistant that “they were the federal government and she better verify the social security number or it would come back on her.” When TSI faxed her employer information to verify her employment, the information did not provide any documentation relating to the creditor [redacted] does not have any knowledge as to what company this relates to and requests further informationTSI has researched this matter and the findings are set forth below.On November 16, 2015, PHEAA Harrisburg PA placed the above referenced student loan accounts with TSI for collection for [redacted] ***The accounts were consolidated and handled as one account, On November 17, 2015, an initial collection notice was mailed to [redacted] ***, Calls were placed to [redacted] in order to collect on the account; however, contact was not made.On February 5, 2016, a call was placed to a telephone number located as a possible work number for [redacted] ***The TSI representative asked to speak with the HR department in order to verify if [redacted] is an employeeRecords confirm that the representative spoke with [redacted] in the HR department and provided [redacted] ***'s name and the last four digits of [redacted] ***’s social security number and asked [redacted] to verify if she is an employee [redacted] verified [redacted] ***’s name but stated she would not confirm the social security number "due to HIPAA laws' and without a signed release from [redacted] authorizing [redacted] to provide TSI with [redacted] ***’s social security numberPlease note, the Health Insurance Portability Accountability Act (HIPAA) relates only to medical accountsThis matter involves a student loan account, for which HIPAA does not applyIt is not improper or illegal for TSI to request an employer to verify the last four digits of an employee's social security number in order to verify employment for wage garnishment purposes.On February 8, 2016, TSI placed a call to [redacted] ***’s payroll department and left a messageTSI received a returned call from [redacted] ***The representative advised the call related to employment verification and that TSI needed [redacted] to verify [redacted] ***’s name and last four digits of her social security number in order to proceed with federal wage garnishment [redacted] again stated that she would not release the social security number without authorization from [redacted] due to HIPAA(Again, HIPAA does not apply to this matter, as it does not relate to a medical account [redacted] should consult with her manager as to the correct procedure to follow involving the verification of a person's employment with her company) [redacted] provided a fax number for TSI to fax the employment verification information needed to proceed with the wage garnishmentThat same day, TSI faxed the employment verification information to [redacted] ***'s employerIn order to prevent third party disclosure of a consumer's information, the employment verification forms do not provide the creditor name or account informationOtherwise, should the person whose employment is being verified be the incorrect consumer, the correct consumer's information would be improperly disclosed.TSI's records do not substantiate [redacted] ***’s allegationsTSI followed all laws when verifying [redacted] ***’s employment in order to proceed with wage garnishment on behalf of PHEAA Harrisburg PA relating to [redacted] ***'s student loan accountsOn February 25, and March 3, the creditor respectively re-called [redacted] ***’s accounts [redacted] - [redacted] and [redacted] -***TSI has closed and returned the accounts to the creditor and will conduct no further collection activity regarding this matter [redacted] may contact the creditor directly at P.OBox Harrisburg PA with any further questions regarding this matterPlease note, TSI has no control over whether the creditor places [redacted] ***'s accounts with another collection agency for further collection.We appreciate the opportunity to respond to your inquiry.Very truly yours,Cathy B.Consumer Affairs Team Lead

November 16, 2017Dear [redacted] :Transworld Systems Inc(TSI) has received your November 14, letter relating to [redacted] ’s complaint filed with the Revdex.com serving Metro Washington DC and Eastern PennsylvaniaTSI has researched this matter and the findings are set forth below:TSI has closed the referenced account in its systemIt is TSI's intent to have no further communication with [redacted] relating to this matterThe consumer may contact [redacted] at [redacted] [redacted] Syracuse, NY *** for any further questions regarding this account.TSI has contacted the credit bureaus with which it does business, with its request to delete TSI’s listing of the above account from the consumer’s credit report for the social security number listed in TSI’s recordsTSI cannot affect a change to how the creditor or any other company may have listed the above account on the consumer’s credit profile.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matter.Very truly yours,TSI Consumer Affairs

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

February 10, 2017Dear [redacted] :Transworld Systems Inc(TSI) has received your February 3, letter relating to [redacted] ’s complaint filed with Revdex.com of Metro Washington DC and Eastern PennsylvaniaTSI has researched this matter and the findings are set forth below:The above-referenced account is closed as paid in TSI's systemIt is TSI's intent to have no further communication with [redacted] regarding this matter.In addition, please be advised that we have contacted the credit bureaus that we do business with, with our request to delete our listing of the above-referenced account from [redacted] ’s credit profile for the social security number we have listed in our recordsPlease be advised that TSI cannot affect a change to how any other company may have listed the above account on [redacted] ’s credit profile.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matter.Very truly yours,Cathy BConsumer Affairs Team Lead

Transworld Systems Inc(TSI) has received your August 17, complaint for [redacted] on the above-referenced accountTSI has researched this matter and the findings are set forth below: TSI has closed the referenced account in its systemIt is TSI's intent to have no further communication with [redacted] relating to this matter [redacted] may contact the creditor at P.OBox ***, Newark, NJ 07191-for any further questions regarding the above account.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matterVery truly yours, Cathy B [redacted]

Revdex.com N12th Street Phoenix, AZ Attn: Conciliation & Engagement Specialists RE: [redacted] To whom it may concern, At this time, Mr [redacted] has purchased a vehicle, and is satisfied with his purchase There is no outstanding money owed to Mr [redacted] It is our goal to make every customer completely satisfied Mr [redacted] has indicated he is extremely happy with our serviceIf you need any further information, please do not hesitate to contact meSincerely, Vicki W [redacted] Executive Assistant Henry Brown Buick GMC

May 25, 2016Dear [redacted] :Transworld Systems Inc(TSI) has received your May 12, follletter for [redacted] filed with the Revdex.com serving Metro Washington DC and Eastern Pennsylvania for the above-referenced account.The above-referenced account is closed as paid in TSI's systemIt is TSI's intent to have no further communication with [redacted] regarding this matter.On May 23, 2016, TSI refunded [redacted] $for her interest chargesThe refund was sent under separate cover.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matter.Very truly yours,Cathy B.Consumer Affairs Team Lead

November 15, 2017Dear [redacted] :Transworld Systems Inc(TSI) has received your November 7, letter relating to [redacted] ’s complaint filed with the Revdex.com serving Metro Washington DC and Eastern PennsylvaniaTSI has researched this matter and the findings are set forth below:On December 31, 2010, [redacted] Community College placed account [redacted] -TSI with TSI for collectionsOn October 6, 2016, TSI spoke with the consumer who agreed to pay $down and $per month for paymentsOn December 27, account [redacted] -TSI became tied to account [redacted] -TSI and payments started being applied to both accountsTSI has corrected the application of [redacted] ’s payments, please refer to the attached payment historyTSI shows a remaining balance of $for account [redacted] -TSI, please advise the consumer to contact Scott M [redacted] at ###-###-#### for inquiries regarding the above accounts.Please be advised that the account balance for [redacted] -TSI may be periodically increased due to the addition of accrued interest or other charges as provided in the agreement with the original creditor or as otherwise provided by state law.Should I not hear from you within days, I will assume you have all information necessary to complete your investigation and close this matter.Very truly yours,TSI Consumer Affairs